My Spending Strategy to Maximize Utility| Niraj Dugar 

In this video, Niraj Dugar, a personal finance expert, explains his strategy for managing money and getting the most out of it. He provides 5 simple and effective tips to maximize your utility of spending and improve your overall financial health. Tune in to learn how you can be smarter with your finances.
My Spending Strategy to Maximize Utility| Niraj Dugar
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GET SOME AMAZING BENEFITS USING THESE LINKS:
📢🚨American Express is among the very few credit card issuers where Reward Points don’t expire.
Accumulate your RPs for multiple years and plan a big redemption.
Amex Platinum Travel
On yearly spend of 4 lakhs, you will get -
o 8,000 regular points
o 15.000 milestone bonus points at INR 1.90lakhs
o 25,000 milestone bonus points at INR 4 lakhs
o INR 10,000 Taj Voucher
Total 48,000 points + Rs. 10k Taj voucher.
This doesn’t even include bonus offers, 3X MR points for Reward Multiplier.
Reward rate can touch 10%
Using my referral link, you’ll get
bit.ly/3DRuptW
🔹First Year Fee Free (saving Rs 3,500 + GST)
🔹2,000 referral bonus points (you need to spend Rs 5,000 within 90 days)
Amex MRCC Credit Card Review (Membership Rewards)
Amex MRCC, also known as the Amex Membership Rewards credit card is the most popular credit card in Amex India’s portfolio.
o Spend Rs 1500 for 4 times (again get Amazon Pay Balance)
o 1000 bonus points
o 120 base points
o 120 Reward Multiplier points
o Reward Rate: 10.33%
Additionally if you touch Rs 20k spends a month: 1000 bonus points
o Reward Rate: 7% (with multiplier)
Using my referral link, you’ll get
bit.ly/3qtO7sr
🔹First Year Fee Free (saving Rs 1,000 + GST)
🔹2,000 referral bonus points (you need to spend Rs 5,000 within 90 days)
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